The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,097
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$192/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,874
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,958/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,783
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$184/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,526
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,298/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,317
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$231/mo
Today · 4.125%
HK$7,775
baseline
▲ 0.50% · 4.625%
HK$8,248
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,550/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,140
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$221/mo
Today · 4.125%
HK$8,579
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$453/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,158/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,536
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$270/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$552/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,142/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,496
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$258/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$528/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,018/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,975
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$347/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$332/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).